topic Re: DCU Loan Suite Double Dip in Credit Card Approvals

DCU Loan Suite Double Dip

Anonymous — Thu, 12 Nov 2020 21:41:10 GMT

I joined DCU at the end of March this year and have only had a preapproved offer in Loan Suite for the Quick Loan ($1K). This month I had offers for everything but I was hesitating due to a job change this week and I wanted paystub consistancy for POI.

I spoke with a CSR there about a direct deposit I was moving to DCU and while I had her on the phone I told her I was excited to have so many nice offers this month. She said that since I was changing jobs in the same field and had my hire letter, I could submit that for a POI request. I decided to accept the offer for the Platinum card, $10K at 11.99% and no POI and no HP. Card was showing on my dash 15 minutes later.

Got my auto loan from Navy a few months ago, but it was my first auto loan and the rate was hefty. Had a refi offer at DCU for up to $50K at 3.24% and it would save me $87 a month. Hit the button to accept, filled out the refi form, approved and again no POI or HP. That was on the 7th and Navy reported the loan paid in full this morning, five days later. DCU offered 60 days with no payments and even though the interest will acrue, I took it since I have a couple of small bills I would like to knock out due to transitioning with work. I was actually fine with my original Navy payment, so I will pay an additional $100 each month toward the principal and knock it out 15 months earlier. Pretty happy with DCU right now.

Thanks @CYBERSAM for all the DP's on your DCU success and congrats again!!

Re: DCU Loan Suite Double Dip

blindambition — Thu, 12 Nov 2020 21:49:23 GMT

That's how you do it!!! Congrats on those 2 SP approvals!!!!

Re: DCU Loan Suite Double Dip

Anonymous — Thu, 12 Nov 2020 21:54:29 GMT

@blindambition thank you and Mahalo for all your contributions and guidance!

Drinks are on me when I get back to the garden and I start the clock alllll overrr againnn!! Day one....

Or, since they were SP's am I still in the garden??? Either way, I'm still buyin'!!

Re: DCU Loan Suite Double Dip

Anonymous — Thu, 12 Nov 2020 21:56:39 GMT

Thanks for sharing! I've been pleasantly surprised how well my experience with DCU has been. I'm hoping to see some more Orange tabs next quarter. I maxed out the savings for that killer interest. Deposits and transactions have been great.

Congrats on snagging some financial goodies from DCU.

Re: DCU Loan Suite Double Dip

Anonymous — Thu, 12 Nov 2020 22:07:56 GMT

Thanks so much @Anonymous!! Congrats to you and your success with them as well. That savings rate is awesome and I'll be headed that way in the first quarter of 2021! Have a great weekend ahead! P.S. Thanks for the Maverick/Goose flashback!! Luv it!!

Oh yeah guys DP's, sorry!

EQ5: 692

Fico 8's: EQ 735 TU 744 EX 717

Utilization: < 3%

INQ: Zillions/12

DTI: 17%

Re: DCU Loan Suite Double Dip

M_Smart007 — Thu, 12 Nov 2020 22:10:07 GMT

@Anonymous, Congratulations!

Re: DCU Loan Suite Double Dip

Anonymous — Thu, 12 Nov 2020 22:14:41 GMT

You're the best @M_Smart007 !! Thank you always for all the 'Smart' advice!!

Re: DCU Loan Suite Double Dip

coldfusion — Thu, 12 Nov 2020 22:18:48 GMT

@Anonymous wrote:

Or, since they were SP's am I still in the garden??? Either way, I'm still buyin'!!

Because you acquired a new tradeline you reset to a seedling, even though there were only soft pulls.

Re: DCU Loan Suite Double Dip

AllZero — Thu, 12 Nov 2020 22:43:59 GMT

Congratulations on your approvals!

Re: DCU Loan Suite Double Dip

AverageJoesCredit — Thu, 12 Nov 2020 22:49:48 GMT

@Anonymous wrote:
I joined DCU at the end of March this year and have only had a preapproved offer in Loan Suite for the Quick Loan ($1K). This month I had offers for everything but I was hesitating due to a job change this week and I wanted paystub consistancy for POI.

I spoke with a CSR there about a direct deposit I was moving to DCU and while I had her on the phone I told her I was excited to have so many nice offers this month. She said that since I was changing jobs in the same field and had my hire letter, I could submit that for a POI request. I decided to accept the offer for the Platinum card, $10K at 11.99% and no POI and no HP. Card was showing on my dash 15 minutes later.

Got my auto loan from Navy a few months ago, but it was my first auto loan and the rate was hefty. Had a refi offer at DCU for up to $50K at 3.24% and it would save me $87 a month. Hit the button to accept, filled out the refi form, approved and again no POI or HP. That was on the 7th and Navy reported the loan paid in full this morning, five days later. DCU offered 60 days with no payments and even though the interest will acrue, I took it since I have a couple of small bills I would like to knock out due to transitioning with work. I was actually fine with my original Navy payment, so I will pay an additional $100 each month toward the principal and knock it out 15 months earlier. Pretty happy with DCU right now.

Thanks @CYBERSAM for all the DP's on your DCU success and congrats again!!

thats crazy good work there Lei. Very happy for you and best of luck with new job😊

Re: DCU Loan Suite Double Dip

AverageJoesCredit — Thu, 12 Nov 2020 22:52:01 GMT

@coldfusion wrote:
@Anonymous wrote:

Or, since they were SP's am I still in the garden??? Either way, I'm still buyin'!!
Because you acquired a new tradeline you reset to a seedling, even though there were only soft pulls.

Thank you for being the cold....fusion. I didnt have the 💙

Re: DCU Loan Suite Double Dip

Anonymous — Thu, 12 Nov 2020 23:25:00 GMT

@coldfusion well a girl can dream lol!! Thankfully I didn't move my lawn chair out of the garden yet so it should be waiting for my speedy return. Seriously, thanks for the clarification OC!!

@AllZero Thank you and for all your help always!!

Re: DCU Loan Suite Double Dip

gdale6 — Fri, 13 Nov 2020 00:10:46 GMT

Very nice, congrats!!

Re: DCU Loan Suite Double Dip

Anonymous — Fri, 13 Nov 2020 00:30:31 GMT

Mahalo for everything @AverageJoesCredit

Blue skies my friend!

Re: DCU Loan Suite Double Dip

CYBERSAM — Fri, 13 Nov 2020 02:07:11 GMT

@AnonymousAwesome job capitalizing on the offers 🤑👍👍

Re: DCU Loan Suite Double Dip

Anonymous — Fri, 13 Nov 2020 02:46:33 GMT

@gdale6 Thank you so much!!

@CYBERSAM thanks and your DP's gave me the courage to go for it!

Have a great weekend ahead!!

Re: DCU Loan Suite Double Dip

coldfusion — Fri, 13 Nov 2020 02:53:03 GMT

@AverageJoesCredit wrote:
@coldfusion wrote:
@Anonymous wrote:

Or, since they were SP's am I still in the garden??? Either way, I'm still buyin'!!
Because you acquired a new tradeline you reset to a seedling, even though there were only soft pulls.

Thank you for being the cold....fusion. I didnt have the 💙

one of the perks that comes with being an old curmudgeon. 😂

Re: DCU Loan Suite Double Dip

CreditAggie — Fri, 13 Nov 2020 15:02:48 GMT

Congratulations on your DCU approvals!

Re: DCU Loan Suite Double Dip

cashorcharge — Fri, 13 Nov 2020 21:48:20 GMT

Congratulations on your SP Approvals!! That's terrific! And Congrats on the new job!

Re: DCU Loan Suite Double Dip

Anonymous — Sun, 15 Nov 2020 17:03:13 GMT

@CreditAggie thanks so much!

@cashorcharge so happy with the SP approvals and thank you! A new job is more stressful than I remembered but at least I know what I'm doing (maybe) lol!!

Thanks always for your kind words and support guys!!